Bank and ledger reconciliation that catches errors while they're still small.
Every bank transaction matched against your books every month — so a duplicate payment, a missed entry or a bank error is caught in weeks, not discovered a year later during an audit.
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The check that stops small errors becoming big ones
Reconciliation is the least glamorous part of accounting and the most important. It's the discipline of confirming that what your books say happened actually matches what your bank statement shows — and it's where duplicate payments, missed entries, bank charges nobody recorded, and outright errors get caught while they're still cheap to fix.
We reconcile every bank account and material ledger against source statements every month, investigate every discrepancy to a documented resolution, and flag anything that looks like fraud or a control gap — not just a bookkeeping mismatch.
Unreconciled accounts don't just look messy — they hide real problems: a subscription nobody cancelled, a vendor overpaid twice, or a bank charge silently eating margin every month. Reconciliation surfaces these while they're still small.
What's included
A standard reconciliation engagement covers:
Bank reconciliation
Every bank account matched against your ledger, transaction by transaction, every month.
Ledger reconciliation
Key ledgers — vendor, customer, loan — reconciled against supporting statements and confirmations.
Discrepancy resolution
Every mismatch investigated to a documented root cause, not just flagged and left open.
Duplicate/error detection
Duplicate payments, missed entries and posting errors caught and corrected.
Reconciliation reports
A monthly report showing what was reconciled, what's outstanding, and why.
Multi-account support
Multiple bank accounts and currencies reconciled under one engagement.
Not sure your books match your bank?
Send us your last three months of statements — we'll tell you where the gaps are.
How we run your reconciliation
1. Statement collection
Bank and ledger statements are pulled for the period, directly from source wherever possible.
2. Line-by-line matching
Every transaction is matched between books and statement, with unmatched items flagged.
3. Resolution & reporting
Discrepancies are investigated to resolution and a clear reconciliation report is shared with you.
Monthly reconciliation is typically completed within 5–7 working days of month-end, once your books and bank feeds are current.
Get a clear, itemised quote.
Tell us about your business and we'll size up exactly what this service costs for you — no obligation.
Why unreconciled books can't be trusted
Reconciliation is the least glamorous line in accounting and the one that quietly determines whether any of the other numbers mean anything. A profit-and-loss statement built on a ledger that was never matched to the bank is a guess dressed up as a fact — and founders make real decisions on those guesses every day.
When the books and the bank aren't reconciled, three kinds of error hide in the gap. There are omissions — payments that cleared the bank but were never recorded, so your expenses are understated and your profit overstated. There are duplicates — the same invoice entered twice, inflating cost. And there are misclassifications — a capital purchase booked as an expense, a personal transaction mixed into the business, a receipt parked in the wrong head. Each one distorts the picture in a different direction, and none of them announces itself.
The most serious risk reconciliation guards against is the one no founder wants to think about: error and fraud that only surface when someone matches every transaction to a source. A payment to an unrecognised account, a supplier paid twice, a subscription that quietly renewed — these are caught in reconciliation or not at all. And because your GST and TDS figures are drawn from the same ledgers, an unreconciled book pushes errors straight into your statutory filings.
Ask a founder how much cash the business has and most will quote the bank balance. But uncleared cheques, pending settlements and unrecorded auto-debits mean the true available position is often materially different. Reconciliation is what turns "the bank says" into "we actually have".
The control that makes every other number believable
Reconciliation is the bridge between raw bookkeeping and financials anyone can rely on. Once the bank, credit cards, payment gateways and key ledgers are matched to source records each month, the closing numbers stop being provisional and become something you can plan against, file on, and hand to an investor. Without that step, every management report carries an invisible margin of doubt.
We reconcile every bank and card account, your GST credit against GSTR-2B and your TDS against 26AS, and we chase down each difference rather than writing it off to a suspense account. Doing this monthly — not annually — means discrepancies are investigated while the context is still fresh and the counterparty still reachable, which is the difference between a five-minute fix and a forensic exercise a year later.
"My accounting software imports the bank feed, so it's already reconciled."
An import is data entry, not reconciliation. Matching every line to a genuine source, and resolving what doesn't match, is the part software can't do for you.
"A small difference doesn't matter — I'll leave it."
A small unexplained difference is usually two larger errors cancelling out. Left alone, it grows and it hides the thing you actually needed to catch.
Pricing
Pricing scales with the number of accounts and monthly transaction volume being reconciled. See our pricing page for indicative ranges, or get an exact, itemised quote in one call.
Frequently asked questions
How often should reconciliation happen?+
What if you find a discrepancy you can't explain?+
Can you reconcile historical periods, not just going forward?+
Does this include credit card and loan account reconciliation?+
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Monthly reconciliation that catches problems while they're still small.